State credit union · CHARLOTTE, North Carolina · NCUA charter #63425
NOVA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $120.7M
- Total assets
- 11,048
- Members
- 17.6%
- Net-worth ratio
NOVA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.7M; members 11,048; net-worth ratio 17.58%; health rank #1,395 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,395 of 4,374 health · 2025Q4NOVA · health 88/100 · $120.7M · 2025Q4
- NCUSIF 88/100
- CAMELS 17.6%
- HEALTH 0.25%
- NW 0.10%
- DELQ $120.7M
- ROA 11,048
- ASSETS #1,395/4,374
- MEM Guthrie Community
- RANK 63425
Call Report peers
NOVA in the assets neighbourhood
NOVA's $120.7M assets sit next to Guthrie Community ($120.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NOVA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NOVA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63425 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
NOVA: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.47 pp (17.58% vs 12.11%).
- Largest lag: Return on Assets at 0.10% vs peer 0.62% (-0.52 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NOVA in North Carolina
- North Carolina health ordinal: #17 of 57.
- Assets rank #23 of 57 inside North Carolina ($120.7M reported).
- Membership ranks #23 of 57 among North Carolina CUs with a reported count (11,048 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How NOVA's 5300 filing moved
NOVA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $120.7M (2025Q4) to $120.6M (2026Q1).
- Net-worth ratio shifted +0.53 pp (17.05% → 17.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.8 pts
NOVA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.58% | +5.47 pp |
| Delinquency Rate | 0.25% | -0.64 pp |
| Return on Assets | 0.10% | -0.52 pp |
| Member Growth | 0.18% | - |
| Loan-to-Share Ratio | 77.03% | +4.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - NOVA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $120.6M | - |
| 2025Q4 | $120.7M | 11,048 |
| 2024Q4 | $120.3M | 11,028 |
| 2023Q4 | $120.6M | 11,277 |
Credit Union Details
- Charter Number
- 63425
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- CHARLOTTE
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for NOVA, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Nova Credit Union (Main Office) | Charlotte, NC |
| Nova Credit Union | Concord, NC |
| Nova Credit Union | Greensboro, NC |
| Nova Credit Union | Hickory, NC |
| Nova Credit Union | Kannapolis, NC |
| Jack Henry Outlink Services | Lenexa, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near NOVA
Cross-state asset and health neighbours for NOVA - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($120.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- NOVA ranks #1,395 of 4,374 nationally on financial health and #17 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bragg Mutual is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bragg Mutual
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is NOVA financially healthy?
A 17.58% net worth ratio and a 0.25% delinquency rate feed into NOVA's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,395 of 4,374; by total assets it ranks #1,671 of 4,374 nationally (same basis as /rankings/largest); and #23 of 57 within North Carolina. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does NOVA compare to other credit unions?
88/100 is NOVA's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join NOVA?
Membership eligibility for NOVA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NOVA directly for current membership requirements and application steps.
Is my money safe at NOVA?
Federal credit unions like NOVA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NOVA's net worth ratio of 17.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NOVA offer compared to banks?
Credit unions like NOVA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact NOVA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.